User Behavior & Risk Management - WeChat and Alipay consumption shows normal cashback, suggesting a shift from blanket measures to individual account behavior-based risk control [1] - Users are still opening accounts for family members [2]

E-commerce Platform Analysis - Taobao order cashback is functioning normally [1] - Alipay scan code cashback is no longer available, which is expected due to its nature as an easily exploitable loophole [1]

Payment Industry Dynamics - Ready card's cashback program for WeChat and Alipay has been discontinued, rendering the card ineffective in China [1] - The card was initially considered for elderly family members, with potential for covering daily expenses and providing a 5,000 RMB emergency cash withdrawal [1]

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